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Compare car insurance in Australia
Over 50 car insurance policies scored against 20 key features.
Finder Score for car insurance
We analyse over 100 car insurance products and rate each one on price and features. What we get out the other end is a nice round number between 1 and 10 to help you start comparing.
To make sure we're comparing apples with apples, we collect quotes for 8 different personas, then work out the value of 19 different car insurance features. Our team then does some fancy maths to get the Finder Score, taking both price and features into account.
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What is car insurance?
There are 4 levels of car insurance. Compulsory third party (CTP), third party fire & theft, third party property damage and comprehensive car insurance. You can compare a range of car insurance providers in Australia using the table below.
Your car insurance coverage will vary based on the level of cover you've purchased and who the provider is. Comprehensive car insurance is the highest level of cover and may cover you for things such as damage to your own vehicle, storm damage and theft. Third party policies may cover you for damage to someone else's vehicle but not your own. You can use the table below to understand the different levels of cover and what may be included in each.
What to expect from your policy
The table below outlines the differences between the 4 types of car insurance you can get in Australia and the inclusions available for each.
Car insurance benefits | CTP/Green Slip | Third party property damage | Third party fire and theft | Comprehensive |
|---|---|---|---|---|
| Damage to your own vehicle | No | No | No | Yes |
| Damage to someone else's vehicle (third party property) | No | Yes (for example, up to $20 million) | Yes (for example, up to $20 million) | Yes (for example, up to $20 million) |
| Weather events (storm, flood, hail) | No | No | No | Yes |
| Theft | No | No | Yes | Yes |
| Hire car after theft | No | Sometimes optional | Sometimes optional | Yes (for example, $70 per day for 14 days) |
| Fire | No | No | Yes | Yes |
| Personal effects | No | No | No | Yes (for example, up to $1,000) |
| Emergency transport/accommodation | No | No | No | Yes (for example, $100 per day, $900 in total) |
| Towing | No | Sometimes optional | Sometimes optional | Yes |
| Key replacement | No | No | No | Yes (for example, up to $1,000) |
| Death benefit | No | Yes | Yes | Yes |
| Legal liability for injuries or death to other people | Yes | No | No | No |
Optional extras
Hire car after accidentNoNoNoYes
Optional extras | CTP/Green Slip | Third party property damage | Third party fire and theft | Comprehensive |
|---|---|---|---|---|
| Reduced or no windscreen excess | No | No | No | Yes |
| Roadside assistance | No | Sometimes optional | Sometimes optional | Yes |
| Choice of repairer | No | No | No | Yes |
How do the different types of car insurance compare?
Comprehensive
This is the only level of car insurance that covers damage to your own car as well as other people's vehicles and property. Additionally, you'll be covered if your car is damaged by hail, fire or storm or if it's stolen or vandalised. It can also help pay for key replacements, a hire car if yours is stolen and more.
Third party, fire and theft
This level of car insurance covers costs if you damage someone else's vehicle or property and can pay to repair or replace your car if it's damaged by fire or stolen. However, it doesn't cover you for damage to your own car due to an accident, storm or flood.
Third party property damage
This level of car insurance only covers you for costs if you damage someone else's vehicle or property. It won't cover repair costs for your car.
Compulsory third party (CTP)
Often called Green Slip insurance, compulsory third party car insurance is mandatory for every registered driver in Australia. In many states, it's included in your car registration. It helps cover compensation costs, such as hospital expenses, if you kill or injure someone in a car accident. It won't cover your car or someone else's car.
Why compare car insurance?
In a cost of living crisis, it pays to compare car insurance to make sure you're not paying more than you need to. Prices can differ a lot – in fact, here's a real-life example of 2 comprehensive car insurance policies that share similar features, yet are priced $245 apart.
| Policy A | Policy B | |
|---|---|---|
| Excess | $850 | $800/$850 |
| Market or agreed value | Market value (insurer decides payout figure on date of claim) | Market value (insurer decides payout figure on date of claim) |
| Hire car after theft | Yes – up to $75/day (max 14 days) | Yes – up to $75/day (max 14 days) |
| New car replacement | Yes – if written off in first 2 years | Yes – if written off in first 2 years |
| Personal effects | $500 | $500 |
| Roadside assistance | Optional extra (not included in this premium) | Optional extra (not included in this premium) |
| Average annual cost | $1,216 | $971.72 ($244.28 less) |
Real people, real savings
How Sarah saved $250 on her car insurance
"I recently went to renew my comprehensive car insurance policy when I noticed the cost had drastically increased from $598 to $800. I decided to compare some other options and now, we've found the same level of cover with a reputable and well-known insurer for just $550. That's $250 in savings!"
Saving without having to switch
"When it came time to renew, I took 20–30 minutes to research other providers, put together a few quotes and went back to my current insurer to see if they'd negotiate. They were more than happy to compete and marked down their initial price to one that justified staying with them. It's really surprising how much you can save when you only need to put a small amount of time aside to compare your insurance options."
Saving $1,000
"My car insurance was up for renewal with a total increase of $537. I compared insurers on Finder and received a quote with comparable cover to my existing policy for $1,000 less. I made a few tweaks but ultimately, the policy covers everything I need and it’s way more affordable."
What you'll need to get a quote
1. Personal details
Car insurance companies will need to know your name, address, age and gender. This is because where you live, how old you are and whether you're male or female determines how at risk of an accident you are. High crime areas, young drivers and males are all typically charged higher premiums due to their risk profile.
2. Driver history
This includes things like if and when you've had to make a claim before and for what reason, how many demerit points you've got and how long you've held insurance for (if at all). Again, this determines your risk profile. For example, a driver with multiple speeding tickets or a history of at-fault accident claims may be seen as riskier to insure.
3. Car details
This will include the make, model, colour, exisiting damages and modifications. Additionally, insurers will want to know if the car is used for private or business use, the estimated kilometres you'll travel annually and if you've got a car loan. All of this will help insurers determine the value of the car.
4. Insurance details
You'll need to know level of coverage you want, what excess you're willing to pay and if you want to add on any optional extras. This lets the insurer accurately estimate the cost of your premium.
Tried and tested: Tips to get a better deal
"Look around for insurers who offer sign-up discounts – this can be a great way to save! Often, the sign-up discounts will only be available if you're a new customer but that's typically no problem if you're looking at switching providers. Some offer up to 15% off which can help you save around $100 in some cases."
"If you like the look of a specific policy but it's too expensive for you, check who the underwriter is. Brands with shared underwriters have identical policies but some brands are cheaper than others. This means you can enjoy the same policy at a more affordable price point. You can find a policy's underwriter with a simple Google search or look at the product disclosure statement."
"Good to know – if your windscreen is broken and that's the only thing that's been damaged, it's not always worth making an insurance claim. This is because your excess is usually more than the cost of the repairs. To avoid this, lots of insurers let you upgrade your cover to include no-excess windscreen cover. It'll usually cost you a couple more bucks a month which is substantially cheaper than paying for the repairs yourself."
How much are Aussies spending on car insurance?
Every month, we ask hundreds of Australians what they're paying for car insurance. To show you how age impacts the cost of your monthly premium, we've broken these numbers down by generation. Here's what their bill looked like in November 2024.- Baby boomers: $104
- Gen X: $134
- Gen Y: $200
- Gen Z: $160
Compare our award winners
To help you find the best car insurance, Finder's insurance team gathered 1,800+ car insurance quotes from 30 of Australia's car insurers - that's over 90% of the most popular providers. From there, we compared over 814 features and scored them to find our winners.
Winner: Best value car insurance
Budget Direct's comprehensive car insurance policy won this year's Finder Award for best value because:
- Its coverage is similar to the 30+ competitors we analysed but Budget Direct is typically cheaper than all of them.
- Our 2024 research showed Budget Direct's average policy is cheaper than 26 other popular insurers including QBE, Allianz and NRMA.
Winner: Best features car insurance
Hume Bank's comprehensive car insurance policy won this year's Finder Award for features because:
- It includes higher coverage limits than many popular competitors.
- It remains comparatively cheap with an average cost of $959 annually. That's $404 cheaper than the overall average cost of car insurance, according to Finder research.
Winner: Customer satisfaction
We asked over 5,700 Australians across major states to rate their current car insurance provider. Youi car insurance came in first place nationally because it:
- Scored highly for customer service, features and benefits, ease of application and value for money.
- An average of 92% of customers across all surveyed states said they would recommend Youi car insurance to a friend.
Why is my car insurance premium so much more expensive than last year?
"This is one of the most common questions we're hearing from customers at the moment. A lot of people are getting to their renewal date and finding that their premiums have gone up by a couple hundred dollars – which really bites at a challenging time like this. In short, this premium increase is due to a few factors: increased parts and repair costs, increasing crime rates, natural disasters and increased claims processing costs. It's a crucial time to compare your car insurance options to see where you can save." Gary Ross Hunter, car insurance specialist.
Compare car insurance by state
Finder sourced 1,800+ quotes across over 30 different providers to help you compare car insurance in your state. The providers listed in the table below were the top 5 cheapest of the providers researched and reflect the estimated annual cost based on the profile used. Keep in mind, your own cost will vary depending on your personal circumstances and it's always best to compare a range of providers.
Comprehensive car insurance
| Provider | Average price | Apply |
|---|---|---|
 | $899.86 | More info |
 | $929.28 | More info |
 | $929.28 | More info |
 | $934.75 | More info |
 | $1,079.01 | More info |
Comprehensive car insurance
| Provider | Price | Apply |
|---|---|---|
 | $842.81 | Get quote |
| $871.90 | More info |
 | $933.57 | More info |
 | $940.92 | Get quote |
 | $1,013.17 | More info |
Comprehensive car insurance
| Provider | Price | Apply |
|---|---|---|
| $1,155.57 | More info |
| $1,180.17 | Get quote |
| $1,247.56 | Get quote |
| $1,254.01 | More info |
| $1,280.42 | More info |
Comprehensive car insurance
| Provider | Price | Apply |
|---|---|---|
| $709.46 | Get quote |
| $726.41 | More info |
| $782.57 | More info |
| $825.31 | More info |
| $828.74 | Get quote |
We didn't include quotes for NT and ACT because the sample size was too small.
Why you can trust Finder's car insurance experts
Cut through the jargon - whether you've just got a new car, or new renewel reminder. We put hours into this guide so you can tick insurance off your list today.
Look under the hood - car insurance may all look the same, but there's often little perks in some of the optional add ons, think roadside assist, and hire cars if yours is bust. We've dug out the details for you.
No BS - You won't get any annoying calls, because we don't have a call centre. We're not owned by an insurer and we aim to add real human experience to all our research.
The lowdown on Finder Score
Just like cars come in different colours, models and sizes, car insurance products are all super different. Finder Score makes it a bit easier to compare Car Insurance by giving you a simple number between 1 and 10 to start your search.
Remember that Finder Score is just one factor to consider. Look at other aspects like fees, features, benefits and risks to make sure a product is suitable for you. Double-check details that matter to you before applying or buying.
To get to our final score, we look at over 100 products and give each of them a score between 1-10 based on 20 features, including price.
To get the price, we collect annual quotes from 8 personas across 6 states (NSW, VIC, QLD, TAS, WA,SA). To be eligible for a Finder Score, providers have to be able to give us these quotes online. The personas we collect quotes for are:
The Finder Score methodology is designed by our insights team and reviewed by our editorial team. We review the products objectively. Commercial partnerships do not affect the score.
Remember that Finder Score is just one factor to consider. Look at other aspects like fees, features, benefits and risks to make sure a product is suitable for you. Double-check details that matter to you before applying or buying.
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